European Central Bank Banking Supervision published supervisory banking statistics for significant institutions for the first quarter of 2025, showing higher aggregate capital ratios and return on equity alongside a slightly lower non-performing loans ratio. The aggregate Common Equity Tier 1 ratio rose to 16.05%, annualised return on equity increased to 9.85%, and the non-performing loans ratio (excluding cash balances) declined to 2.24%, while stage 2 loans stood at 9.76% of total loans. Tier 1 and total capital ratios were 17.53% and 20.28%, with the quarterly increase in capital ratios driven by higher capital amounts while total risk exposure remained stable; CET1 ratios ranged from 13.04% in Spain to 24.98% in Lithuania. The stock of non-performing loans increased by EUR 1.62 billion (0.46%), but total loans and advances rose by EUR 394.18 billion (2.52%), lowering the headline NPL ratio by 4 basis points; NPL ratios were 2.21% for household loans and 3.48% for loans to non-financial corporations, including 4.50% for loans collateralised by commercial immovable property and 4.78% for loans to small and medium-sized enterprises. Net interest margin fell to 1.53% in the quarter, with country values ranging from 0.90% in France to 3.37% in Slovenia, and the ECB noted that some capital and leverage indicators were affected by reporting amendments introduced under the updated Capital Requirements Regulation (CRR III) effective from 1 January 2025. The statistics are available via the ECB banking supervision website and the ECB Data Portal, and the ECB introduced interactive reports for the first time to allow enhanced user customisation, while discontinuing the previous interactive layout.

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